Most people assume their financial advisor is required to put their interests first. The type of advisor you work with, and the standard they follow, shapes how advice is given, how your advisor is compensated,...
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Retirement can feel abstract when it’s decades away, and overwhelming when it’s suddenly around the corner. What matters most is knowing which moves to make right now — wherever you are. The best time to...
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Required minimum distributions sound simple — take money out of your retirement account once you reach a certain age. In practice, RMDs are one of the most complicated and costly areas of retirement planning. Once...
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Changing jobs is exciting — but it comes with one important financial question most people overlook: what happens to your 401(k)? CFP® certificant Allison Donaldson shares what you should consider before deciding which option is right...
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If you’re 70½ or older and still writing personal checks to charity, you may be leaving a significant tax benefit on the table. A Qualified Charitable Distribution (QCD) lets your IRA do the giving —...
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Should I front-load or max out my 401(k) early in the year? How do I avoid losing my company match? These questions came up recently when my husband prepared for his annual bonus elections in...
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Inherited IRA rules have become increasingly complex with the SECURE Act and SECURE 2.0. New requirements took effect in 2025 that can dramatically impact beneficiaries’ tax situations. Inheriting a retirement account should feel like a...
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Your financial advisor can be one of your most valuable professional relationships—but like any partnership, what you get out of it depends largely on what you put in. At HTG Investment Advisors, we’ve spent over...
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Many articles focus on the question of housing affordability for young people starting out, but few address what a retiree (or retiree-to-be) can afford. For the first-time home buyer, the emphasis is on how much...
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In recent years, a tug of war has been going on between the Department of Labor (DOL) and the courts over advice provided to retirement account holders. The DOL wants to require financial professionals to...
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